Side-by-side · Q2 2026 data
Pennsylvania State Employees Credit Union vs Williamsport Teachers Credit Union
Credit union
Pennsylvania State Employees Credit Union
Harrisburg, Pennsylvania · $1 billion – $10 billion
Credit union
Williamsport Teachers Credit Union
South Williamsp, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Pennsylvania State Employees Credit Union | Williamsport Teachers Credit Union |
|---|---|---|
| TellerScore | 80 | 85 (stronger) |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 75 | 81 (stronger) |
| Earnings | 99 (stronger) | 48 |
| Funding & liquidity | 76 | 100 (stronger) |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 88th | 77th |
| Total assets | $9.7B | $15.6M |
| Deposits / shares | $8.5B | $12.5M |
| Capital ratio | 11.85% | 19.52% (stronger) |
| Problem loans | 0.75% | 0.56% (stronger) |
| Net charge-offs | 0.84% | 0.00% (stronger) |
| Return on assets | 1.98% (stronger) | 0.71% |
| Loans ÷ deposits | 84.0% | 52.9% (stronger) |
| Uninsured deposits | 10.9% | 9.7% (stronger) |
| Offices | 14 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.6% | — |
Williamsport Teachers Credit Union has the higher TellerScore (85 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Pennsylvania State Employees Credit Union leads on 1 and Williamsport Teachers Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.